2012 Subaru Forester Insurance Quotes

Searching for the cheapest auto insurance rates for your Subaru Forester? Locating the cheapest insurance for a Subaru Forester can normally be a painful process, but you can learn a few tricks to make it easier.

There are both good and bad ways to buy auto insurance so you’re going to learn the best way to price shop coverage for a new or used Subaru and obtain the best price possible either online or from local insurance agents.

It’s a good idea to shop coverage around before your next renewal because rates are constantly changing. Even if you got the lowest premium rates on Forester insurance a couple years back you will most likely find a better price today. Forget anything you know (or think you know) about auto insurance because you’re about to learn the proper way to properly buy coverages while reducing your premium.

Pricing affordable coverage is not that difficult. If you have insurance now or need a new policy, you can use these techniques to find the best rates while maximizing coverage. Consumers just need to learn the proper way to shop for car insurance online.

Ways to get insurance quotes

Comparing insurance rates can be challenging if you don’t understand the fastest way to get free quotes. You could spend the better part of a day talking about coverages with local insurance agents in your area, or you can utilize online quotes to get prices fast.

Many insurance companies belong to an insurance system where insurance shoppers submit one quote, and each company provides a quote based on that information. This saves time by eliminating quote forms to each individual insurance company.

To get comparison pricing now click here to start a free quote.

One minor caviat to comparing rates this way is that you can’t choose which companies to get pricing from. So if you prefer to choose from a list of companies to request quotes from, we have a listing of low cost insurance companies in your area. Click here to view list.

Take whichever approach you prefer, but try to use exactly the same coverages and limits with every price quote. If the quotes have unequal deductibles or liability limits it’s impossible to decipher which rate is best.

Auto Insurance Discounts

Companies that sell car insurance don’t always list their entire list of discounts very clearly, so the following list contains both well-publicized in addition to some of the lesser obvious discounts that may be available.

  • ABS Brakes – Cars with ABS braking systems or traction control are much safer to drive and will save you 10% or more.
  • Discounts for Responsible Drivers – Insureds who avoid accidents can pay as much as 50% less on Forester insurance as compared to drivers with claims.
  • Bundled Policy Discount – When you combine your auto and home insurance and place coverage with the same company you will save up to 20% off your total premium.
  • Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to buckle up could save 15% on medical payment and PIP coverage.
  • Senior Citizens – Drivers that qualify as senior citizens could receive better auto insurance rates on Forester insurance.
  • Discount for Swiching Early – Select companies give a discount for renewing your policy prior to your current policy expiring. The savings is around 10%.
  • Discount for Low Mileage – Driving less could be rewarded with discounted prices on garaged vehicles.
  • Club Memberships – Being a member of qualifying employment or professional organizations can get you a small discount on your bill.
  • More Vehicles More Savings – Buying insurance for multiple vehicles on a single policy can get a discount for every vehicle.
  • Theft Prevention Discount – Cars with anti-theft systems are stolen with less frequency and that can save you a little bit as well.

It’s important to understand that many deductions do not apply to the entire cost. The majority will only reduce individual premiums such as liability and collision coverage. Even though it appears having all the discounts means you get insurance for free, companies don’t profit that way. Any amount of discount should help lower your overall premium however.

Larger auto insurance companies and some of their more popular discounts are outlined below.

  • State Farm discounts include anti-theft, Steer Clear safe driver discount, good driver, good student, driver’s education, accident-free, and safe vehicle.
  • American Family has savings for accident-free, good student, Steer into Savings, bundled insurance, mySafetyValet, early bird, and multi-vehicle.
  • AAA may include discounts for AAA membership discount, multi-car, good driver, pay-in-full, anti-theft, good student, and education and occupation.
  • Geico offers premium reductions for five-year accident-free, anti-theft, military active duty, multi-vehicle, defensive driver, multi-policy, and seat belt use.
  • Mercury Insurance policyholders can earn discounts including accident-free, annual mileage, good driver, type of vehicle, anti-theft, multi-car, and good student.
  • Farmers Insurance offers discounts for good student, business and professional, distant student, youthful driver, alternative fuel, pay in full, and multi-car.
  • Progressive may offer discounts for continuous coverage, online quote discount, homeowner, online signing, and good student.

If you want inexpensive car insurance quotes, ask all companies you are considering how you can save money. Some of the earlier mentioned discounts may not be offered in your area. To see a list of providers who offer cheap auto insurance quotes, click this link.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage for your vehicles, there really is not a best way to insure your cars. Every situation is different.

These are some specific questions could help you determine if your insurance needs might need an agent’s assistance.

  • Is my teen driver covered when they drive my company car?
  • Does my 2012 Subaru Forester qualify for pleasure use?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is extra glass coverage worth it?
  • Is my nanny covered when driving my vehicle?
  • Can I afford low physical damage deductibles?
  • Are my friends covered when driving my car?
  • Does medical payments coverage apply to all occupants?
  • When can my company non-renew my policy?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Insurance costs are influenced by these factors

Part of the car insurance buying process is learning a few of the rating criteria that aid in calculating the rates you pay for car insurance. If you have a feel for what determines premiums, this enables informed choices that can help you get lower car insurance prices. Lots of things are part of the calculation when pricing auto insurance. Some of the criteria are obvious such as your driving record, but some are more obscure such as whether you are married or your financial responsibility.

  • Avoid unnecessary extra coverages – Insurance companies have many extra add-on coverages that can waste your money on your Forester policy. Coverage for things like coverage for rental cars, better glass coverage, and motor club memberships are some examples. These may sound like a good investment initially, but your money might be better spent on other coverage so remove them from your policy.
  • Bundling policies can get discounts – Most larger companies apply a discount to insureds that have more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s in your best interest to check prices from other companies to help guarantee you have the best rates.
  • Use but don’t abuse your insurance – Insurance companies generally give most affordable rates to insureds who file claims infrequently. If you tend to file frequent claims, you can definitely plan on either a policy non-renewal or much higher rates. Insurance coverage is meant to be used in the event of claims that you cannot pay yourself.
  • Better prices with anti-theft devices – Owning a car with a theft deterrent system can save you a little every year. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent your car from being stolen.
  • More stress means more cost – Did you know your career choice can influence rates? Occupations such as doctorspolice officers and financial analysts are shown to have higher rates than the rest of us because of stressful work requirements and long work days. On the flip side, occupations such as farmers, historians and performers have the lowest average rates on Forester insurance.
  • Limits of liability protection – The liability coverage on your policy is the coverage that protects you if ever you are found liable for physical damage or personal injury to other. This coverage provides legal defense to attempt to prove you were not liable. Liability insurance is pretty cheap compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Cheaper premiums for prior coverage – Having a gap between insurance policy dates is a quick way to increase your car insurance rates. And not only will insurance be more expensive, the inability to provide proof of insurance might get you fines or a revoked license.
  • Are females or males drivers cheaper? – Over the last 30 years, statistics show females are less aggressive when driving. The data does not necessarily mean that women are BETTER drivers than men. Both genders get in accidents in similar percentages, but males cause more damage and cost insurance companies more money. Not only that, but men also receive more costly citations like DUI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and are penalized with high car insurance rates.

Car insurance coverage information

Having a good grasp of car insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers

This provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your Subaru Forester.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability auto insurance

This protects you from damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers things such as emergency aid, bail bonds, loss of income and medical expenses. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage

This coverage pays for damage to your Forester caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like colliding with a tree, sustaining damage from a pot hole, damaging your car on a curb, colliding with another moving vehicle and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as rock chips in glass, damage from a tornado or hurricane and a broken windshield. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses for dental work, EMT expenses and hospital visits. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

One last thing

We’ve covered many ideas to lower your 2012 Subaru Forester insurance premium rates. It’s most important to understand that the more price quotes you have, the better your chances of lowering your prices. You may even find the best premium rates are with the smaller companies.

As you quote car insurance, make sure you don’t buy poor coverage just to save money. In too many instances, drivers have reduced comprehensive coverage or liability limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The goal is to get the best coverage possible at a price you can afford and still be able to protect your assets.

Consumers switch companies for a number of reasons such as an unsatisfactory settlement offer, extreme rates for teen drivers, delays in paying claims and even policy cancellation. It doesn’t matter why you want to switch finding the right insurance coverage provider is easier than you think.

More detailed insurance coverage information is available in the articles below: